Ski Insurance

Because some skiers are young, they don't always think to protect themselves from what might could happen. many a person has taken a vacation on a slope never intending to be injured, but there is always the unexpected. Just give some thought to protecting yourself and family by looking into ski insurance.

Skiing - Don’t go without ski insurance

By MoneyhighStreet Staff. Published on January 9, 2009 This post currently has no comments.

According to research by esure.com, many skiers are setting off on their skiing holidays without taking out ski travel insurance.

Ski Insurance

The research found that 1 in 5 skiers, some 400,000 people, don’t take out ski insurance.

Of these, over 10% decide they don’t need it. This means they believe they won’t fall and hurt themselves, they won’t damage their skis or snowboards or find that the pistes are closed or even miss their departure.

Or if they do find themselves subject to any of these issues that they are comfortable to cover the cost. All things though that are covered by standard ski insurance which can be bought for a relatively small cost.

Medical cover is critical for ski holidays. Even in Europe if you need airlifting off the mountain you could face a bill of over £1500.

Some believe that the European Health Insurance Card (EHIC) provides all the cover that is required if your ski destination is within the EU. This is not the case.

Whilst the EHIC does cover medical treatment within the EU, it does not cover the cost of getting to or from the hospital or the cost of repatriation.

Even if you have an annual travel insurance policy don’t assume it will automatically cover you for skiing. Many don’t as standard. Ski insurance can usually be included but it may need to be added as an extra.

Make sure that your cover extends Worldwide if you are skiing in such as Canada or the USA, and that you don’t just have European ski insurance.

If you are taking a family ski holiday then you’ll need insurance that covers all the family.

Finally, even if you already have a ski policy, make sure it covers you to the level you need and that it covers all the activities you want to get involved in whilst on holiday.

Things like snow mobiling or ski-dooing may not be covered automaticlly. Depending on the insurer it may be possible to add them at an additional charge.

Finally be aware there are some extreme activities, such as heli-skiing, that it may be very difficult or costly to get insurance cover for.

Skiing - Don't go without ski insurance | MoneyHighStreet.com

Ski Travel Insurance

Insuremore Warn Credit Crunched Skiers Not to Scrimp on Travel Insurance this Winter

With people accepting the UK is entering a full blown recession, many families will be looking to save wherever they can, but cheap travel insurance won't always cut it if you're taking a winter sports holiday soon. Insuremore offer cheap ski travel insurance that will cover you against the worst, without your wallet feeling the strain. For more information, visit http://insuremore.co.uk/?page_id=ski-travel-insurance

London, UK (PRWEB) December 17, 2008 -- With the belt tightening that comes with a recession many families will be wanting to ensure they save money wherever they can, but if you're planning on heading on a skiing holiday this winter you need to be sure you get the right travel insurance, Insure more have warned. The cheap travel insurance company know all about the small print that consumers can fall foul of, and know that high risk activity policies like skiing insurance are particularly specific.

"Most consumers will realize that getting their travel insurance from their holiday provider is rarely the cheapest, but there are many pitfalls holidaymakers can be tripped up by if not fully prepped," said Patrick Chong, the Managing Director of Insure more. "First of all, standard cheap travel insurance rarely covers risk activities like skiing, so make sure you're clear about what you need cover against when you're buying- it's too late when you get around to making a claim. Secondly, cheap ski travel insurance often cuts corners, and you may find that not everything you need is covered - for example you might find that your equipment won't be protected against loss or damage. Read the policy carefully and make sure all eventualities are covered - and if they're not, don't be afraid to ask for it to be included or to shop around for a better deal," he added.

Older Holidaymakers

Senior citizens are one of the most likely groups to holiday abroad,
but it is also this group that can have the most difficulty in getting
an affordable deal on travel insurance.
There are insurance companies that specialise in providing cover for
the over 65’s, as well as a number of non-specialist policies available
that cater for the older traveler.
However, some insurers no longer offer multi-trip annual travel insurance
cover to older holiday makers, meaning that the older generation are
often excluded from the cheapest travel insurance options available.
There are now a range of providers that offer cheap travel insurance
for the older holidaymaker, however some customers still find
themselves having to pay much higher premiums for the chance to go
abroad due to the increased risks associated with their age group.
Because of the higher cover prices for their age group, many are tempted to make the trips without taking out travel insurance in order to avoid paying a high price for cover which may exclude existing medical conditions.
The stereotypical view that older holidaymakers have an increased
risk of falling ill or having an accident whilst on holiday makes it
difficult for the older traveler to find an affordable travel
insurance deal.
In the event of complications happening whilst on holiday, treatment
can be expensive – not too mention the costs involved when booking an
earlier flight home.
However, with a wider variety of specialist providers now offering
affordable deals, older holidaymakers now have more options when it
comes to selecting travel insurance for overseas excursions.

Canadian Travel Insurance

If you are a Canadian with Canadian travel insurance then you want to read this. When your traveling abroad keep in mind it is the unexpected situations we encounter that throw a wrench in to things that cause our vacation travel or business travel to take a bad turn. getting sick or injured is never something we expect or take into consideration. I can't imagine anything worse than being stuck in a place other than home when sick or injured. Below is a story I ran into while doing some research on travel problems abroad.

Feeling tired, Andrew Malleson told his wife he wasn't up to attending the lecture on medical ethics. He told her to go alone; he would rest on the bed in their Prague hotel room until she returned.

When he awoke, the room was spinning. Dr. Malleson made it to the bathroom, where he vomited blood. Then he crawled to the bedroom telephone, grasped the receiver and called the front desk for an ambulance.

"For a while, I was lying on the floor, thinking 'It's strange dying in a hotel in Prague. I wouldn't have imagined that,' " said Dr. Malleson, 77, who is now recuperating at his Toronto home. "I was quite sure this was the end of me."

By the time his wife, Donna Stewart, returned to their room, her husband was unconscious and awash in blood. Two ambulances, including a resuscitation unit, arrived around the same time to take the retired psychiatrist to hospital. There, doctors searched for the source of his bleeding.

Being in the Czech Republic with a life-threatening illness was frightening enough. What greatly added to the burden of the Sept. 23 emergency, Dr. Stewart said, was the insurance carrier Sun Life Financial Inc. and its service provider Europ Assistance USA.

For three weeks, Dr. Stewart would be embroiled in e-mails and telephone calls about her husband's health, at times smuggling her BlackBerry into the intensive-care unit to communicate with the insurer.

globeandmail.com: Prague medical misadventure a lesson in the pitfalls of travellers' insurance

Travel Insurance

Some times here at cheapest travel insurance I run across an article I think is important enough to share. It doesn’t make any difference whether you live in the UK, America or any other part of the world, the guidelines should be all the same. The most important thing is you can enjoy yourself, have a safe trip and do these things at the best price you can possible get.

Hopefully the article below can save you some time and give you a guideline on taking out travel insurance.

Taking out travel insurance is an important part of planning a trip abroad and will protect you against the cost of any unforeseen events.

The benefit of cover
A good travel insurance policy will ensure that any unexpected medical bills are paid and that you can get home in an emergency. Even routine surgery such as an appendectomy costs around £7,500 in Europe, according to insurer esure, increasing to £25,000 in some parts of America.

It may also meet the cost of new baggage if your luggage is lost or stolen, and compensate you if your trip is canceled, your travel delayed or you miss your departure.

Medical costs
You should take a European Health Insurance Card (EHIC) with you, but this shouldn't be relied upon exclusively in the event that you fall ill or suffer an accident abroad.

This pays for free medical treatment in EU countries, as well as Iceland, Liechtenstein and Norway, but it will only fund you up to the level of free treatment given to locals. You could find this is significantly less comprehensive than the NHS, leaving you with a big bill - and it won't cover the cost of repatriation.

Cost of cover
It's now cheaper and easier than ever to get travel insurance, with some single trip policies only costing around a fiver. But remember that cheapest is not necessarily best, as the cover might be inadequate and the service a little thin.

Start with price comparison sites, which give you a range of quotes to choose from with varying levels of cover for your situation. Check out moneysupermarket.com, Confused.com and guardian.co.uk's compare and buy service.
Buy your cover directly from the insurer rather than from a tour operator or travel agent. It will be cheaper, and if anything goes wrong you will have recourse to the Financial Ombudsman Service to claim compensation.

Factsheet: Travel insurance | Money | guardian.co.uk

Airline-sold travel insurance: what's it worth? - Tips- msnbc.com

People who never before considered travel insurance might look back on this turbulent summer as the one that pushed them over the edge.
And if you’ve shopped around for an airline ticket lately, you can’t help but have noticed that somewhere in the process your airline has offered to sell you what looks to be a fairly cheap travel insurance policy, usually for $9, $12, $15 or a similarly affordable amount, per trip.

Should you bite? Not until you read the policy carefully, and Airfarewatchdog.com has found that seeing a copy of the policy before you buy requires quite a bit of mouse-clicking.

Such as the 'Trip Protector' sold by Northwest, have one serious flaw: They don’t cover cancellation of your trip because of the airline’s financial default. Also, most don’t cover pre-existing medical conditions under any circumstances.

Some may not even cover airline-caused delays in their trip-interruption clauses.In any case, travel insurance, whether bought from an airline or online travel agency, or the insurer directly, often is less protective than it sounds.

Trip interruption, for example, is very narrowly defined. Usually, it covers only an interruption after your trip has begun, so if you’ve put down a $1,000 deposit for a trip and a month before departure the airline “interrupts” your plans by announcing that it no longer serves your origin or destination cities, then you’re on your own.

It's the same thing for trip cancellation: You can cancel your trip for a limited number of covered reasons, but if the airline cancels your route, that's not covered. An interesting loophole in one policy we saw: If a family member (say, your son) gets injured in an amateur sporting event (say, a football game) you won't be covered if you decide to cancel your trip.

Spirit Airlines, for example, sells insurance for $12 per domestic flight, which seems very reasonable. There’s one major problem, however: You’re not covered if Spirit should go belly-up.

Policies bought directly from insurance companies

Compare that with a policy bought directly from a major travel insurance company.
AIG Travel Guard's 'Essential' plan costs about $24, depending on various factors, for a typical domestic trip by air, but as with Spirit’s insurance, there’s no coverage for default. For that, you’d need to upgrade to an Essential Expanded policy, and then to abide by a "14 Day Wait" clause, which means that the airline would have to default more than 14 days after the date you’re your coverage went into effect.

For full default coverage with fewer (but by no means no) loopholes, you need to buy AIG Travel Guard's more expensive standard and then add an upgrade that includes coverage not only for situations in which the airline might suddenly disappear, but also acts of terrorism and pre-existing medical conditions.

The bottom line is that, to be really protected, a better insurance policy covering a typical trip by air — just the air travel portion, not hotels or a cruise — might cost more than $40. That's a far cry from Spirit’s $12, but look at the differences in the two policies.

Spirit's policy can be called, politely, minimal. There's a flat $300 for cancellation or interruption — read on, you'll see this is absurdly low — $500 for travel delays (doled out at amounts of up to $100 per day), a $500 reimbursement for loss of baggage or travel documents, and a $100 pay-out for baggage delay.

AIG's 'My Travel Guard' policy, on the other hand, covers the entire quoted trip cost in case of cancellation or interruption; $1,000 in case of stranding for return air; $500 for unreasonable delays (but a maximum of $100 per day); $10,000 for medical expenses in the case of accident or sickness; $100,000 for emergency evacuation and — how grim! — the repatriation of remains; $500 compensation for loss of baggage; and $100 for baggage delay. It also provides options to purchase a plethora of upgrades.

Airline-sold travel insurance: what's it worth? - Tips- msnbc.com

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Cheapest Travel Insurance

I created this blog to see if I could bring some attention to the cheapest travel insurance. In the past I have traveled to a few places and bought travel insurance and felt good that if something happened I would be covered and my family would be well taken care of. I am not so sure about those facts anymore.

I know you can find or purchase insurance on just about anything from Planes, Trains or Cruise ships.
You can buy travel insurance to cover your luggage and your life. But the key is which one is legit, and will pay off with out having to hire a lawyer and go to court..

Travelers are purchasing travel insurance policies through their agents, and some purchase on line. Now whether you purchase travel insurance on line, or from the travel agent is a matter of preference.
You could be paying a premium and getting less coverage.

I think most of us purchase travel insurance for the peace of mind and not always for the insurance coverage.
Remember, when selecting the best and cheapest travel insurance it is critical that you are covered for your trip. This will give you piece of mind.
I think that there are a number of ways to check and make sure your selection of a travel insurance company is the right one.
The following is a list of things to consider in purchasing cheap travel insurance on the web or any where else could save you a lot of time and trouble:
If you are using a local travel agent, pick up the phone and call the travel agent and ask what comp[any to use.
Ask your agent for any feed back on whom ever you chose, this could save a lot of heart ache. Positive feed back or negative, either way you are better off.
Even though you would like to purchase Insurance and save the money, the cheapest may not be the best choice, consider if that is the wisest choice.
Try and make your choice ahead of time, we tend to make mistakes by choosing when we are in a hurry.
Look at it this way; When you buy almost anything, you ask around for feed back. Just be sure and ask the right people.
I know the cheapest travel insurance is a free one, check it out first. You might be glad you did
So the cheapest travel insurance is just a matter of what you pay for
Remember there is no better person that will watch out for you better than yourself.
Good luck and good traveling.
John